Plus Credit Union

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NON-VISA PINLESS DEBIT TRANSACTIONS

You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa debit transactions without using a personal identification number (PIN) to authenticate the transactions.

To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a POS terminal and choose to route the transaction over a Visa network.

To initiate a non-Visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the PLUS, CO-OP, and STAR network(s).

The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-Visa networks.

Please contact Plus Credit Union with any questions you may have regarding this notice.

Courtesy Pay is an overdraft service that provides you a safety net up to an automatically assigned overdraft limit. Your Courtesy Pay limit may be available for checks and other transactions made using your checking account number, automatic bill payment, and recurring debit card transactions.

Regular Savings Share establishes membership and allows you to utilize all credit union services. There is a one time $5.00 opening fee and a $5.00 minimum balance required to retain credit union membership. You have 24 hour access to your money with an ATM card and online banking. Ready Credit available upon approval. Other Savings Shares that we offer are listed below.

* Dividends are paid monthly based on an average daily balance of $500.00 or more.

Member Checking

Interest bearing checking account. Dividends are paid monthly based on an average daily balance of $1,000.00 or more. There is a $25.00 minimum deposit for this account. You have 24 hour access to your money with a Visa Debit and on-line banking.

Essentials Checking

This non-interest bearing checking account requires no minimum balance. There is no monthly service fee you have 24 hour access to your money with a Visa Debit Card and on-line banking.

Integrity Checking

This account is an alternative checking account for members who may have been denied a checking account in the past. It is a non-interest bearing checking account requires no minimum balance. There is a $10.00 monthly service fee for the first 12 months.

Visa Purchase Alerts

1 Actual time to receive a transaction alert is dependent on wireless service and coverage within area.
2 A qualified transaction is any transaction routed through Visa.
Additional terms, conditions, and restrictions may apply.

Save Now!

With our low rates

* Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on credit qualifications.

Preferred rate for those with higher scores. Rates are subject to change without notice. All loans are subject to credit approval. The credit union is an equal opportunity lender and makes loans without regard to race, color, religion, sex, handicap, family status, or nation origin. You will receive a complete disclosure of rate and terms associated with your loan before you sign any loan documents. New loan money only. Current plus credit union auto loans are not eligible for refinancing.

‡ Variable rate information: The rate will be based on the Prime Rate published in The Wall Street Journal plus 10% for Classic/Student/Teen Cardholders, plus 8% for Gold Cardholders. Rate change will take effect on your next billing cycle date. Visa Disclosure preferred rate.

NON-VISA PINLESS DEBIT TRANSACTIONS

You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa debit transactions without using a personal identification number (PIN) to authenticate the transactions.

To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a POS terminal and choose to route the transaction over a Visa network.

To initiate a non-Visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the PLUS, CO-OP, and STAR network(s).

The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-Visa networks.

Please contact Plus Credit Union with any questions you may have regarding this notice.

Courtesy Pay - Changes

Effective March 1st 2013

Our Courtesy Pay product will be changing.

Courtesy Pay is an overdraft service that provides you a safety net up to an automatically assigned overdraft limit. Your Courtesy Pay limit may be available for checks and other transactions made using your checking account, automatic bill payment, and recurring debit card transactions.

Signing up for the service does not require any action on your part UNLESS you wish ATM and electronic transaction such as POS to be covered. If so you MUST complete a consent form and mail it in or visit your local branch to sign up.

Security Concern

Plus Credit Union will never e-mail you a request for you personal information or password. Do not click on the Web site link in a message that's telling you that the organization's information is out of date or incomplete. Delete it immediately. Report the incident to Internet Crime Complaint Center

Online Banking

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